Call reports 2003
PIONEER BANK — 2003
What PIONEER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 90,801,000 | 93,037,000 | 93,491,000 | 92,452,000 |
| Total loans | 51,089,000 | 53,778,000 | 56,112,000 | 55,833,000 |
| Allowance for loan losses | 482,000 | 509,000 | 494,000 | 481,000 |
| Securities available for sale | 28,520,000 | 31,946,000 | 30,131,000 | 28,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,150,000 | 75,647,000 | 70,147,000 | 70,285,000 |
| Interest-bearing deposits | 59,251,000 | 60,680,000 | 56,166,000 | 55,824,000 |
| Noninterest-bearing deposits | 13,899,000 | 14,967,000 | 13,981,000 | 14,461,000 |
| Equity capital | 7,463,000 | 8,132,000 | 7,849,000 | 8,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,262,000 | 2,535,000 | 3,840,000 | 5,098,000 |
| Interest expense | 550,000 | 1,098,000 | 1,558,000 | 1,976,000 |
| Net interest income | 712,000 | 1,437,000 | 2,282,000 | 3,122,000 |
| Noninterest income | 326,000 | 633,000 | 963,000 | 1,233,000 |
| Noninterest expense | 627,000 | 1,279,000 | 1,938,000 | 2,642,000 |
| Provision for loan losses | 30,000 | 60,000 | 110,000 | 170,000 |
| Pretax income | 381,000 | 733,000 | 1,216,000 | 1,603,000 |
| Income tax | 20,000 | 41,000 | 61,000 | 78,000 |
| Net income | 361,000 | 692,000 | 1,155,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,750,000 | 6,881,000 | 7,244,000 | 7,614,000 |
| Total capital | 7,232,000 | 7,390,000 | 7,738,000 | 8,095,000 |
| Risk-weighted assets | 62,515,000 | 65,590,000 | 69,531,000 | 66,791,000 |